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Online Account Opening

We make it easy to start banking local.

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With Online Account Opening you can open an individual or joint personal checking and/or savings account from anywhere and at any time you like using your desktop computer, phone, or tablet. The secure application only takes about 10 minutes to complete, and we will guide you through each step.

What to know before you apply:

  • You must be 18 years old and reside within the Bank's footprint to apply online.
  • Trusts and businesses cannot apply online at this time.
  • You will need your SSN or ITIN number as well as your Government Issued Identification, such as a Driver's License.
  • If another person will be a joint owner on your account(s), they should be with you when you apply to enter and validate their personal information.
  • Your application will be reviewed within 2 business days. If approved, you will be sent an email via DocuSign to electronically sign your signature card.

Checking Accounts Available Online

Everyday Checking

A simple account with great perks. No maintenance fees for seniors 65+ or Formal Trust accounts.

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Cashback Checking

 Get cashback rewards and free ATM access1. No maintenance fees for students 14 to 19 years old.

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Access Checking

An all-in-one account with access to premier services.

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Private Access Checking

An all-in-one account, specifically for Wealth Management clients.

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  1. For Cashback Checking, Access Checking and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for the use of any MB&T or non-MB&T ATMs. In addition, we reimburse you for ATM and point of sale (POS) fees charged by third parties if the third party identifies the fee or surcharge as a separate transaction. Please see Deposit Account Terms and Disclosures for additional information.
Everyday Checking
 Cashback Checking
Student Version Available1
 Access Checking
 Private Access Checking
Account Type
Go green and pay no maintenance fee if requirements are met Get cashback rewards and free ATM access2
 An all-in-one banking package with access to premier account services An all-in-one account, reserved for our Wealth Management Clients
Monthly Maintenance Fee $8 $15 $25 $0
How to Avoid Monthly Maintenance Fee
  • Enroll in eStatements3 OR
  • Primary account holder’s age is 65 or greater OR
  • Account is a Formal Trust
    Enroll in eStatements3 AND
  • complete 15 or more debit card transactions each statement cycle OR 
  • primary account holder's age is 14-19 years old1
  • $10,000 minimum daily balance OR
  • $25,000 average available balance
 N/A
Free Online & Mobile Banking4
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Use2
Cashback Rewards5 $0.10 per qualifying transaction
For Youth 14-191
Interest Earning Yes, see the Deposit Rate Summary for details. Yes, see the Deposit Rate Summary for details.
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box
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  1. The Student version is a debit card only account, no checks will be issued. Adult signature is required to open account. At age 20, this student account becomes a general Cashback Checking account and is subject to those account requirements.
  2. For Cashback Checking, Access Checking and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for the use of any MB&T or non-MB&T ATMs. In addition, we reimburse you for ATM and point of sale (POS) fees charged by third parties if the third party identifies the fee or surcharge as a separate transaction. Please see Deposit Account Terms and Disclosures for additional information.
  3. Must have Online Banking to enroll in eStatements.
  4. Montecito Bank & Trust does not charge for the Mobile Banking service; however, your wireless provider may charge for Internet access and text messages. Please check with your wireless provider.
  5. Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.

Savings Accounts Available Online

Personal Savings

Earn interest with this basic savings account.

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Relationship Bonus Money Market

Get an interest bonus when paired with a qualified checking account.

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Montecito Money Fund

Earn higher money market rates with higher balances.

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Personal Savings

Earn interest with this basic savings account.

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Relationship Bonus Money Market

Get an interest bonus when paired with a qualified checking account.

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Montecito Money Fund

Earn higher money market rates with higher balances.

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Personal Savings Relationship Bonus Money Market Montecito Money Fund
Accounts
Monthly Maintenance Fee $9 per quarter $10 $10
Requirements to Waive Monthly Maintenance Fee $300 minimum daily balance $2,500 minimum daily balance $2,500 minimum daily balance
Interest Earning6
Combined Statement Upon Request
Check Writing Ability
For Youth up to 18 years old7
  1. Simple interest accrues daily, compounded quarterly and paid quarterly. View our Deposit Rate Summary for the latest rates.
  2. Adult signatory required.

Have any questions?

We're here to help.

Schedule an appointment ATM & branch locations Call us at (805) 963-7511

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